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Trusted Insurance Coverage in Calgary
Get affordable, no-hassle insurance solutions from a local Calgary expert. Whether you need disability, accident, or critical illness insurance, we offer flexible plans with first-day coverage,
- About Us
Your Local Calgary Insurance Specialist Committed
At Combined Insurance, we believe in making insurance simple, accessible, and personal. Based in Calgary, we specialize in providing affordable and comprehensive disability, accident, and critical illness coverage tailored to your lifestyle and needs.
Whether you’re self-employed, employed, or retired, we’re here to help you prepare for life’s unexpected moments—with expert advice and plans you can trust.
Local Calgary insurance expert offering affordable, reliable coverage for disability, accident, and critical illness. Personalized service and fast claims.
Personalized Service from a Local Expert
We understand the unique needs of Calgary residents and offer one-on-one guidance to help you choose the right coverage
Coverage You Can Count On
Our plans come with no claim limits, first-day benefits, and stable rates—even after claims—so you're always protected
- Services
Our Insurance Services in Calgary
At Combined Insurance, we are dedicated to providing Calgary residents with comprehensive, affordable, and reliable insurance solutions designed to protect you and your loved ones during life’s unexpected challenges. Whether it’s an accident, a critical illness, or childhood health issues, our tailored insurance plans offer financial security when you need it most.
Disability Insurance in Calgary
Protect your income in case of injury or illness that prevents you from working. Our Calgary disability insurance policies provide monthly benefits to help essential living expenses.
Accident Insurance in Calgary
Accidents happen when we least expect them- Make sure you’re financially protected. Our Calgary accident insurance plans cover unexpected injuries, hospital visits.
Critical Illness Insurance
Receive a lump sum payout if you’re diagnosed with a major illness like Cancer, heart attack, or stoke. Our Critical illness insurance helps cover medical costs.
Calgary Health Insurance is to provide the best insurance services
- Why Choose Us?
Why Choose Combined insurance?
Receive benefits quickly and directly, in addition to any other insurance or government programs.
4.9/5 Rating
From over 2600 reviews.
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- Local Calgary insurance expert
Local Calgary insurance expert providing affordable, no-hassle coverage for disability,
We Collaborate with the top 200+ companies worldwide
- Protect Your Income When You Can’t Work
Disability Insurance That Safeguards Your Paycheque
Disability insurance provides income replacement if an illness or injury prevents you from working. Whether you’re off work for weeks or months, this plan ensures you can still meet your financial obligations. With fast approval and flexible benefits, Combined Insurance offers one of Calgary’s most trusted disability solutions.
- Monthly income replacement
- Coverage up to 24th months
- Coverage whether injury occurs on or off the job
- Optional return of premium rider
- Fast claim processing
- Be Financially Ready for Life-Altering Diagnoses
Critical Illness Insurance in Calgary with Fast Payouts
A diagnosis like cancer or stroke can change everything. Critical illness insurance provides a tax-free lump sum to help you handle medical bills, lifestyle changes, and time off work. Combined Insurance covers 26 major illnesses and pays faster than most insurers in Calgary—because when you’re facing the toughest moments, time matters.
- 26 covered illnesses including cancer, heart attack, and stroke
- 10% payout upon diagnosis, 90% after a 14-day survival period
- Coverage for adults and optional plans for children
- Return of premium and paid-up policy options
- Free access to Teladoc Medical Experts
- Use funds for any purpose: treatment, travel, home care, or income replacement
- When the Unexpected Happens, Be Prepared
Calgary's Most Reliable Accident Insurance Coverage
An accident can disrupt your life instantly. From broken bones to emergency surgeries, the costs add up quickly. Accident insurance helps cover out-of-pocket medical expenses and lost income so you can focus on recovery—not the bills. Combined Insurance’s accident plans are designed specifically for Calgarians looking for affordable, effective protection.
- Emergency room and hospital expenses
- Ambulance services and diagnostic imaging
- Surgery and follow-up care
- Lump sum payments for fractures
- Accidental death and dismemberment benefits
- Rehabilitation and recovery support
- Cash benefits paid directly to you, not the hospital
Get the Coverage You Deserve Speak with a Local Calgary Insurance Expert Today!
Don’t wait until it’s too late. Get a free, no-obligation quote for disability, accident, or critical illness insurance. Fast support, affordable rates, and reliable protection from someone who understands Calgary life.
- Testimonial
What Our Clients Say About Us
After I was diagnosed with a critical illness, Combined Insurance was a lifesaver. I received my payout quickly and without any hassle. The support and guidance I got made a tough time a little easier.
Amanda L.
- faqs
Frequently Asked Questions
We understand that choosing the right insurance can raise a lot of questions. Our FAQ section is here to help you get clear, honest answers about our disability, accident, and critical illness insurance plans.
No, with Combined Insurance accident plans, your rates stay the same even after a claim. This ensures long-term affordability and peace of mind.
No waiting period! Your coverage starts from day one, so you can make a claim immediately if needed.
Yes, Whether you work in a high-risk field or enjoy adventurous activities, you’re protected with no exclusions.
